Filed the Answer with the court on Thursday. Changed it somewhat from what I posted above after doing a lot of research on here. May not have done everything exactly right, but DH is in a much better position this time than with the Cap1 lawsuit! We also filed a Notice of Appearance just to make sure they can't do anything without him being notified. Now, the interesting thing is that later that day when DH checked our mail (we mailed the attorney copy CRRR from a different PO than where we have our box), there was a letter from Attorneys, P.C. which states: Dear Mr. Bee: This account was originally an account that you had with Direct Merchants Credit Card Bank, account number xxxx xxxx xxxx xxxx. I am in the process of obtaining additional documentation. Sincerely Yours, Attorney (same one, btw, who handled the Cap1 lawsuit) We have checked two of DH's CR's (TU & EQ) now and this is not listed as "in dispute" on either one. Shouldn't it be? Isn't that a violation? What do we do now???
Experian verified! We requested validation from Attorneys, P.C. on 10/17. They received it 10/19. Didn't realize until a few days ago after doing more reading that we needed to dispute with the CRAs. Disputed online 2 days ago (late at night) with Experian... not marked in dispute on any CR by Colorado Capital. Colorado Capital is not listed on the EX CR, only Direct Merchants is, so that is what we disputed. Came back verified today! Since it was DM that verified and not Colo Cap, is it still considered collection activity? Is it a violation? We have received a reply from Attorneys, P.C. (see post just above) but no validation yet. I'm still trying to sort all this out. Since DM sold the account, are they in the clear? Thanks for any clarification!
Re: Experian verified! So how did all of this turn out? ...and what is a Notice of Appearance? I have just been sued I am in the process of writing my Answer to the court. Could post the final draft of the Answer that you filed. I could sure use any help. I'm also going to strart another thread about my own case 'cause I really could use the help from the members of this board. Thanks
Re: Experian verified! I remember when you first came here BB. Read your update and just wanted to drop in here and tell you "GREAT JOB". Keep up the good work.
Re: Experian verified! I've been reviewing what happened in this case and discovered the link in the quoted post was broken. The link in the quote above is now corrected. Long story, short... the case was mutually dismissed with prejudice, but you might want to go read what happened to get to that point!
